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Overdraft Program

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

  1. We have standard overdraft practices that come with your account.
  2. We offer an overdraft protection plan, a link to a savings or other checking account, which may be less expensive than our standard practices. To learn more, please ask us about this service.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We may authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments
  • ATM withdrawals
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Inter National Bank pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee up to $35.00 each time we pay an overdraft item.
  • Business accounts will be charged overdraft interest calculated on the average negative available balance for the statement cycle period at 1.5%.

Learn more about how to avoid overdraft fees.

For more information about protecting yourself from overdrafts, please visit the Federal Reserve.

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